If this is a bill that you owe, pay it or make payment arrangements. If it is not a bill that you think you owe then find a lawyer that can help you with Fair Debt issues. You will have to pay for the attorney. If the debt is so large and the creditor will not make payment arrangements that you can afford and you don’t want to pay for an attorney to represent you then you will have to consider bankruptcy as a way out.

A creditor does not have to offer you a payment plan you can afford and they be as demanding and unfair as they want to be. They know this will either push people into finding the cash someplace of falling on the sword and filing bankruptcy.

Steve

I am Jolene. My husband is out of the country working.

He asked me to continue this for him. I have his Power of Attorney.

He asked me to look at his credit report from July of ’08.
I have all three.

The Washington Mutual/Proviadian shows a charge off on all three reports. Then it goes to CACH and under comments it says “consumer disputes this account information” on Equifax and TransUnion. On Experian it says “Account in dispute under Fair Credit Billing Acts.”

When we tried settling this account with CACH, they would not budge on an amount and was very belligerent. We then went to the Bud Hibbs site and we have done everything he said to do. Now this shows up at his mothers.

What is our next step. For the most part his credit is good. Just in Feb. his score was 665.

Sincerely,
Jolene